How to Become a Millionaire by Investing $700 per Month – Part 43/360

🚢 Quick status table

Position by Position Color Commentary:

• • AAL – Keep
    Still a very cheap way to be long normalized travel; the 2028 vertical gives you loads of time for capacity and fares to normalize after the current oil shock. No reason to tinker unless AAL dramatically overruns your spread.​

  • ARCC – Keep, nibble on fear
    High‑quality BDC, diversified loans, and still an attractive yield against long‑term rates. In a choppy, higher‑for‑longer environment, ARCC’s income profile is exactly what you want anchoring a small portfolio.

  • B (Barnes) – Keep
    You’re already nicely ahead and well inside your 2028 spread. Let time premium decay; no need to over‑optimize a working trade.

  • EPD – Keep
    Core midstream income; energy volatility actually underscores why you own boring toll‑takers. Great place to sit while the macro sorts itself out.

  • ET – Keep, add only on proper pullbacks
    Same story as EPD: strong cash flows, de‑leveraging, and still not fully re‑rated. If panic gives you a real discount, this is one I’d happily build.

  • F – Keep
    Cyclical, but your strikes are conservative and 2028 gives a full cycle to digest EV capex, labor, and rates. Nothing broken; let it play.

  • GEO – Keep, eyes open
    It’s a policy‑sensitive name; that’s why we sized it small in the first place. As long as the spread still has ample upside vs. cost and the political backdrop isn’t outright hostile, it’s worth giving time.

  • HELE – Keep, but don’t oversize
    Classic PSW “boring turnaround” attempt. Slight red is fine; only becomes a problem if you’ve accidentally let it grow beyond a sensible allocation.

  • HPQ – Keep / consider adding if it gets really silly
    Still a cheap cash machine with buybacks and modest growth; not an AI bubble name. In a world of stretched multiples, I’d be happy holding HPQ risk into 2028.

  • HRB – Work the salvage, don’t capitulate
    This is the exact kind of trade you walked through in the YouTube “$700/Month” case studies: a high‑confidence, fundamentally intact business that got away from you short‑term. Tax prep is sticky; the main lesson is to adjust and roll intelligently, not to dump at max pain.[youtube]​

  • NVO – Keep
    GLP‑1 is a structural, decade‑scale theme and NVO is a flagship; the 2027 $55/70 spread is a value‑seeking way to stay in a name that screens “expensive” on simple PE. Volatility around drug headlines is just noise.

  • PATH – Keep (spec bucket)
    Automation and AI‑driven productivity remain core structural trends. PATH is volatile and sentiment‑driven, but the 2027 tenor gives you time for execution to show up.

  • PR – Keep
    Simple, leveraged energy exposure with a still‑supportive oil and gas environment. As long as balance sheet and hedging look sane, it fits.

  • SAIL – Take something off, leave something on
    You’ve got a big win; the cyber theme is still strong, but Freakonomics‑style: when you’re well into the profit zone, incentives shift toward banking some. I’d trim or partially close and keep a core to ride.[youtube]​

  • SOFI – Keep
    Still an execution story but with real user growth and expanding product set. Rate volatility hurts near term; long dated spreads let you look through that.

  • SQQQ – Keep as your umbrella
    In your own video you framed SQQQ as the downside engine that makes the rest of the portfolio “sleepable.” Given the macro and the crowded AI complex, I would absolutely keep this hedge in place.[youtube]​

  • ULCC – Keep
    Tiny, high‑beta airline; good example of a defined‑risk, lottery‑ticket style structure. With 2026 expiration, I’d keep unless fuel and demand data clearly turn against the thesis.

  • UUUU – Keep and consider intelligent adds / rolls
    The uranium macro is actually improving: Energy Fuels is guiding to sharply higher production and sales in 2026, Kazakhstan’s supply growth is peaking, and the stock just bounced back toward the low‑20s. That makes this a classic PSW salvage: the thesis is right, the timing/entry was rough. I’d be looking to roll and possibly scale in at better strikes rather than walk away. reddit+2

  • VFC – Keep
    Deep‑value and turnaround in retail; lots of bad news already priced and 2028 gives room for restructuring efforts to show through. Size small, stay patient.

  • OWL – Keep / gradually build
    Blue Owl is a fee‑rich alternative asset manager; in a world where capital is scarce and private credit is growing, that’s a structural tailwind. It fits the $700 philosophy very well: asset‑light, compounding, and time on your side.[philstockworld]​[youtube]​

The portfolio still looks aligned with your stated design: boring, undervalued, hedged, with time as the main asset rather than margin. If you want, I can next sketch specific roll/repair ideas for HRB and UUUU, since those are the only ones really demanding “active” attention.